Originally Posted By: joemikeb
An upgrade installation of a later OS version over a previous one SHOULD retain all of your settings, data, and third party applications. A "clean" However as with any upgrade or update there are caveats:
  • What SHOULD happen and what DOES happen are sometimes two different things so before upgrading or updating the OS wise users will always make a fresh clone of their system and test it to be sure it works correctly before making the upgrade or update.

I know nothing about clones or how to make such, much less test such. So that's a non-starter.
Why wouldn't my TM backup be adequate? Or would it?

As for the CNET site's reliability and safety, I guess I'll just have to see what others have to say before checking it out.

Any idea just how large the Mac OS X 10.11 is (so that I might have a properly sized USB stick to download to)?